Factors Contributing in Buying Behaviour of IDBI Financial Products

8/9/2019 Factors Contributing in Buying Behaviour of IDBI Financial Products

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FACTORS

CONTRIBUTING TOBUYINGBEHAVIOROF IDBI-

FEDERALLIFEINSURANCECO LTDFINANCIALPRODUCTS

BY:ABISHEK AGANESH

10BSPHH010028

[Type !e "#!$% &"'e(


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A REPORT

ON

FACTORS CONTRIBUTING TO BUYING BEHAVIOR OF IDBI FEDERAL LIFE

INSURANCE CO LTD FINANCIAL PRODUCTS

SUBMITTED BY: To:

ABISHEK A GANESH MR. Y L N KUMAR

10BSPHH010028 FACULTY GUIDE

A REPORT SUBMITTED IN PARTIAL FULFILLMENT OF THE

REQUIREMENTS OF MBA PROGRAM.

DATE OF SUBMISSION- 13TH MAY, 2010

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ACKNOWLEDGMENT

Fi!" #$% &'()'!" I *'+% i( "' "#( "i! '//'"+$i" "' "#$ Mr. Nages!ara

Rao CEO &' ($#i$4 "( 5')/("i'$ '& "i! /'6(5".

I *'+% #!' i( "' (7/(!! ) 4#"i"+%( "' Mrs. Sa"#$ Yag%a"a# & Mr.

Sa#%a'a(a" &' /'i%i$4 +! #$ '//'"+$i" "' *' i$ IDBI Fe)era( L$*e

I"s+ra",e Co L#).

N'" "' &'4(" FACULTY GUIDE, &' 4ii$4 i! #+#( 4+i%#$5(, (#"!+//'" #$% !+44(!"i'$! "' )#( "( /'6(5" # !+55(!!&+ '$(.

L#!" I *'+% i( "' "#$ - Co((ege Nae/ &' 4ii$4 )( "i! '//'"+$i" "'

*' i$ # 5')/("i"i( '4#$i9#"i'$. Ti! '//'"+$i" #! (% )( "' +$%(!"#$% "(

$+#$5(! '& *'i$4 #'$4 *i" &'!"(i$4 /(!'$# 4'*" #! *( #! #+( #%%i"i'$.

T(( #( (($ $+)('+! i$&+($5(!, i4 #$% !)# "#" #( (/(% )( "' *'

'$ ) /'6(5" !+55(!!&+.

R(4#%(!! '& "( !'+5(, I "#$ # "'!( *' #( 5'$"i+"(% "' "i! /'6(5".

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TABLE OF CONTENTS

A+"'i9#"i'$ 1

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11. R(&(($5(! :8

ABSTRACT

T( '6(5"i( '& "i! /'6(5" i! "' i%($"i& #$% /i$/'i$" # "( "'! *i5 #( (!/'$!i( &'

"( +i$4 (#i' '& &i$#$5i# /'%+5"!, IDBI F(%(# Li&( I$!+#$5( C' L"%, i$ /#"i5+#.

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I$!+#$5( (i$4 # !(i5(, "( "'! *i5 (#% "' +i$4 (#i' '& i$!+#$5( /'%+5"! #(

#"( '!5+( #$% $'" (#! "' !/'". H'*(( #! i" i! #$ '&&(i$4 "' "( 5'$!+)(! "(( #( "'

(7i!" # $+)( '& (#!'$! %+( "' *i5 /('/( 5'!( "' + &i$#$5i# /'%+5"!.

T( !5'/( '& "i! /'6(5" (7"($%! "' &i$%i$4 # "( #i'+! "'! *i5 )# 5#+!( /('/( "'

+ i$!+#$5( /'%+5"! #! *( #! +!( !"#"i!"i5# "''! i$ '%( "' 5(#"( #!("! '& 5'(#"(%

"'! *i5 5#$ ( "#5(% "'4("(.

A&"( %#"# #$#!i! &') "( !+( "#" *#! 5'$%+5"(% i" *#! !(($ "#" "( #i#(! 5'!($ &'

#$#!i! 4'+/(% "()!((! i$"' = %i!"i$5" "'!. T( "'! *(( $#)( Pro)+,#

Cara,#er$s#$,s0 I"#er"a( Mar1e#$"g0 E2#er"a( Mar1e#$"g #$% E2#r$"s$, Fa,#ors.

T( &i$%i$4! #$% 5'$5+!i'$! #( &'5+!(% '$ "( I"#er"a( Mar1e#$"g #!/(5"! '& IDBI- F(%(#

Li&( I$!+#$5( C' L"%,. Ti! /#"i5+# "' *i5 !"(!!(! '$ "( i$"($# 5+!"')(! '

()/'((! i! i)/'"#$" #! "( !#(! &'5( '& "( '4#$i9#"i'$ /#! # ( i"# '( i$ !#(! '&

IDBI-F(%(# Li&( I$!+#$5( C' L"% &i$#$5i# /'%+5"!.

T( '+"5')( '& "( /'6(5" i! #$ '4#$i9#"i'$ !/(5i&i5 RATER- )'%( %(('/(% &' IDBI-

F(%(# Li&( I$!+#$5( C' L"%.

T( !#(! &'5( !'+% ( (%+5#"(% *i" (!/(5" "' "i! /#"i5+# )'%( !' #! "' ($#$5(

5+!"')( (7/(i($5(! #$% "+! i$5(#!i$4 "( #$% (@+i" !+!(@+($".

INTRODUCTION

IDBI FEDERAL LIFE INSURANCE CO LTD

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IDBI Fe)era( L$*e I"s+ra",e Co L#) i! # 6'i$"-($"+( '& IDBI B#$, I$%i#!

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/i#"( !(5"' #$! #$% A4(#!, # )+"i$#"i'$# i$!+#$5( 4i#$" #!(% '+" '&

E+'/(. I$ "i! ($"+(, IDBI B#$ '*$! =8 (@+i" *i( F(%(# B#$ #$%

A4(#! '*$ 2; (@+i" (#5. A" IDBI F(%(#, *( ($%(#' "' %(i( /'%+5"!

"#" /'i%( #+( #$% 5'$($i($5( "' "( 5+!"')(. T'+4 # 5'$"i$+'+! /'5(!!

'& i$$'#"i'$ i$ /'%+5" #$% !(i5( %(i( *( i$"($% "' %(i( *'%-5#!!

*(#" )#$#4()($", /'"(5"i'$ #$% ("i()($" !'+"i'$! "' I$%i#$ 5+!"')(!.

H#i$4 !"#"(% i$ M#5 2008, i$ 6+!" &i( )'$"! '& i$5(/"i'$ *( (5#)( '$( '&

"( !"(!" 4'*i$4 $(* i$!+#$5( 5')/#$i(! "' 4#$( R! 100 C i$ /()i+)!.

T( 5')/#$ '&&(! i"! !(i5(! "'+4 # #!" $#"i'$*i%( $("*' #5'!! "(

#$5(! '& IDBI B#$ #$% F(%(# B#$ i$ #%%i"i'$ "' # !i9(#( $("*' '&

#%i!'! #$% /#"$(!. A! '$ M#5 31!" 2011, "( 5')/#$ #! i!!+(% '( 2.?2

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IDBI Ba"1 L#). 5'$"i$+(! "' (, !i$5( i"! i$5(/"i'$, I$%i#! /()i( i$%+!"i#

%(('/)($" #$. C(#"(% i$ 1?:; "' !+//'" I$%i#! i$%+!"i# #5'$(, IDBI

B#$ #! !i$5( ('(% i$"' # /'*('+!( '& i$%+!"i# #$% ("#i &i$#$5(. T'%#, i"

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SHCIL S"'5 H'%i$4 C'/'#"i'$ '& I$%i# L"%, CARE C(%i" A$#!i! #$%

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/'%+5"! '&&((% "( $(* /#(! )'!" &') "( !"#( '& "(i

i$"($#"i'$# /#"$(!. T( )#i$ 5'$5(/" +$%(i$4 $(* /'%+5"

%(('/)($" #! (($ Nee) 'ase) 6os$#$o"$"g )e3e(o6e"# #$% Var$e#%

'ase) )e3e(o6e"#. T( 5+!"')(! #( )#$ 5'i5(!- "( 5#$ 4' i$ &'

'/"i'$! #$4i$4 &') /+( i$!+#$5( /'%+5" "' +$i" i$(% i$(!")($"

/'%+5"!. A!' "( #( '&&((% # #i(" '& ($(&i"! 5#(% r$)ers &')

*i5 "( 5#$ /i5 #$% 5''!(.

• C+s#oer Ce"#r$, A66roa, CRM i! "( +99*'% #$% !' i! 5+!"')(

!#"i!"i'$. H($5( "( !#(! &'5( #$% "(5$''4 /'5(!! (&&'"! #( (($

1)


14/57

"'*#%! )#i$4 "( (7/(i($5( &' "( 5'$!+)( #! (#! #$% #! +!( &i($%

#! /'!!i(.

Maor P(a%ers $" #e I"s+ra",e I")+s#r%

L$*e I"s+rers

• HDFC S"#$%#% Li&( I$!+#$5( C')/#$ Li)i"(%

• M#7 N(* Y' Li&( I$!+#$5( L"%

• ICICI P+%($"i# Li&( I$!+#$5( C')/#$ L"%

• O) K'"# M#i$%# Li&( I$!+#$5( C' L"%

• Bi# S+$ Li&( I$!+#$5( C' L"%

• T#"# AIG Li&( I$!+#$5( C' L"%

• SBI Li&( I$!+#$5( C' L"%

• ING #!# Li&( I$!+#$5( Pi#"( L"%

• Ai#$9 B#6#6 Li&( I$!+#$5( C' L"%

• M("i&( I$%i# I$!+#$5( C' L"%

• D#+ CGU Li&( I$!+#$5( C')/#$ P" L"%

1*


15/57

Ge"era( I"s+rers

•R'# S+$%##) Ai#$5( I$!+#$5( C' L"%

• R(i#$5( G($(# I$!+#$5( C' L"%

• T#"# AIG G($(# I$!+#$5( C' L"%

• B#6#6 Ai#$9 G($(# I$!+#$5( C' L"%

•

ICICI L')#% G($(# I$!+#$5( C' L"%

• C'#)#$%##) G($(# I$!+#$5( C' L"%

• E7/'" C(%i" G+##$"(( C'/'#"i'$ L"%

• HDFC C+ G($(# I$!+#$5( C' L"%

1+


16/57

INTRODUCTION

INCOMESURANCE & SALES FORCE

I$5')(!+#$5( i! "( &i$#$5i# /'%+5" '& IDBI F(%(# Li&( I$!+#$5( C' L"% "#"

*( *(( #!(% "' %' !#(! &'.

T( /'%+5" /'&i( i! #! 4i($ ('*

• T( /'%+5" *'! #! #$ i$!+#$5( !5()( *i5 '&&(! !"(#% i$5')(

%+i$4 "( !(5'$% #& '& "( /'i5 "().

• T( #"( '& ("+$ i! /(44(% #4#i$!" "( G-!(5 #"(! *i5 #( ((#!(% "(

FIMMDAFi7(% I$5')(, M'$( M#(" #$% D(i#"i(! A!!'5i#"i'$ ((

)'$".

• T( /#'+" "#" "( 5+!"')( (5(i(! i! %(5i%(%, i4" *($ "( /()i+) i!

/#i% "+! (i)i$#"i$4 i! #$% )#i$4 "( /'%+5" # ( !#&( (" *i"

)'%(#"( ("+$!.

• O/"i'$ "' (5(i( +)/ !+) #! i$ E$%'*)($", ' /(i'%i5# #! i$ M'$(

B#5.

• T#7 %(%+5"i'$! '$ /()i+) +$%( S(5 80C #$% T#7-&(( i$5')( +$%( S(5

1010D.

1,


17/57

IDBI FEDERAL LIFE INSURANCE LIMITED

ORGANI;ATIONAL CHART

1

CHIEF E


18/57

;ONAL = WISE ORGANI;ATIONAL STRUCTURE

18

COUNTRY HEAD

Mr.M+ra($

NORTH

;ONAL

HEAD

EAST ;ONAL

HEAD

SOUTH

;ONAL HEAD

Mr.Ba(a$

WEST ;ONAL

HEAD

HYDE

AR

HE

BENGALURU

AREA

HEAD

COIMBATORE

AREA HEAD

Mr. V$a%

K+ar

MUMBAI LUCKNOW


19/57

AREA = WISE ORGANI;ATIONAL STRUCTURE

1.

BRANCH HEAD

COIMBATORE

AREA HEAD

SENIOR E


20/57

INTRODUCTION

IDENTIFICATION OF FACTORS AFFECTING BUYING

BEHAVIOR

C'$!+)( (#i' i! "( !"+% '& '* i$%ii%+#!, 4'+/!, #$% '4#$i9#"i'$!

!((5", +, +!( #$% %i!/'!( '& 4''%!, !(i5(!, i%(#!, ' (7/(i($5(! "' !#"i!& "(i

$((%! #$% *#$"!.

i" (!/(5" "' &i$#$5i# /'%+5"! &') #$ i$!+#$5( 5')/#$ "( 5'$!+)(

(#i' i! $'" 5(# %(&i$(%.

C'$!+)( (#i' &' !(i5(! 4($(# # &') "#" '& /'%+5"!, '*((

*($ i" 5')(! "' &i$#$5i# /'%+5"! "( ##i#( i"(#"+( '$ +i$4 (#i'

! !'".

T( '6(5"i( '& "i! /'6(5" i! "' i%($"i& # /'!!i( "'! *i5 i$&+($5(

5'$!+)(! '$( *# ' "( '"( *i" (!/(5" "' IDBI Fe)era( L$*e I"s+ra",e Co

L#) &i$#$5i# /'%+5"!.

20


21/57

a. OB>ECTIVE T' i%($"i& "( "'! *i5 #&&(5" +i$4 (#i' '&

IDBI-F(%(# Li&( I$!+#$5( C' L"%.

Ti! /'6(5" i! %(%i5#"(% i$ i%($"i&i$4 # "( "'! *i5 i$&+($5( "(

5'$!+)(! "' /+5#!( IDBI F(%(# Li&( I$!+#$5( C'. /'%+5"!. T'+4

"( (7"($!i( !"+% '& "'! "( /'6(5" '/(! "' &i$% '+" 5'(#"i'$!

#)'$4!" "'! #$% '* "( 5')/#$ 5#$ +!( "i! i$&')#"i'$ "' %(('/

#&&(5"i( /')'"i'$# !"#"(4i(! "+! (#%i$4 "' +!i$(!! %(('/)($".

'. FACTORS CONSIDERED:

T( &'()'!" !"(/ "' "( (!(#5 /'5(!! i! "' i%($"i& "( #!i5 #i#(!

*i5 "($% "' #&&(5" 5'$!+)( (#i' "'*#%! # /#"i5+# /'%+5" (i"(

'# '& +$'#.

I$ "i! /#"i5+# /'6(5", "( "''! +!(% "' #i( #" "( i$i"i# i!" '& #i#(! '

"'! *i5 i$&+($5( +i$4 (#i' #(

1 E7/(i($5( S+(

2 I$&')# I$"(i(*!

T( %(5i!i'$ "' +!( (7/(i($5( !+( #$% i$&')# i$"(i(*! *#! )#%(

((/i$4 i$ )i$% "#" "( i$%+!" '& i$!+#$5( i! (#"i( $(* "' INDIA, "(

#i'+! "'! ' #i#(! *i5 #&&(5" "( 5'$!+)(! #( $'" (($ !"+%i(!

"''+4 #! (".

21


22/57

E7/(i($5( S+( i! # "/( '& !+( *(( "( @+(!"i'$$#i( i! 5i5+#"(%

#)'$4!" (7/(i($5(% /(!'$$( &') "( (#"(% &i(% '& (7/("i!( i$ '%( "'

4(" # 4''% i%(# '& # "( #i#(! "#" #( i$&+($"i#.

I$&')# I$"(i(*! *(( 5'$%+5"(% i$ "( '&&i5( !' #! "' $#'* %'*$ "( i!"

'& "'! ##i#(.

T(!( "*' )("'%! '& i$i"i# #i#( i%($"i&i5#"i'$ *(( +!(% !/(5i&i5# i$

"i! (!(#5 /'6(5" %+( "' "( 5##5"(i!"i5! '& "( I$!+#$5( I$%+!" *i5 i!

'" $(* #$% +$(7/'(%. T( (7/(i($5( !+( *i5 *#! +!(% i$ "i! /'6(5"

i! !'*$ i$ "( #""#5)($"!.

22


23/57

EXPERIENCE SURVEY

This is a survey intended to determine the factors which lead to buying of insurance

products.

Please answer the following question after filling in your details.

NAME:

AGE:

Contact Number:

OCCUPATION:

P(#!( #$!*( "( &''*i$4 @+(!"i'$ #!(% '$ '+ (7/(i($5( i$ "i!

/#"i5+# i$%+!"

Wa# a,,or)$"g #o %o+ are #e #o6 9 *a,#ors !$, $"*(+e",e 6eo6(e !$(e

6+r,as$"g IDBI?Fe)era( *$"a",$a( 6ro)+,#s@

1/

5.

7.

8.

9.

Fee( *ree #o +se #e ($s# o* *a,#ors e"#$o"e) 'e(o! a") $* #ere are a"% o#er

*a,#ors 6(ease e"#$o" s6e,$*$,a((%.

Bra") E+$#%

Re#+r"s *ro #e 6ro)+,#

L$*e Co3er

S6o+se I"*(+e",e

Proo#$o"a( S#ra#eg$es

Sa(es For,e

Pre$+ Pa%a'(e

Pare"#oo)

Ta2 De)+,#$o"s

Ce(e'r$#% E")orsee"#

2)


24/57

,. METHODOLOGY

Q+(!"i'$$#i( D(!i4$

T( @+(!"i'$$#i( %(!i4$ *#! "( $(7" !"(/ i$ "( (!(#5 /'5(!! #&"(

&i$#i9i$4 '$ "( #i#(! *i5 *(( i$'(%.

1 T( @+(!"i'$$#i( *#! %(!i4$(% +!i$4 "( *+""e( #e,"$+e *(( 4($(#

@+(!"i'$! #( #!(% (&'( !/(5i&i5 '$(! i$ '%( "' '"#i$ +$i#!(%

(!/'$!(!.

2 A 9 6o$"# L$1er# S,a(e *#! #%#/"(% &' "( *'( @+(!"i'$$#i( !' "#"

"(( i! (#!( %+i$4 &ii$4 +/ '& @+(!"i'$! #$% "' ("#i$ ')'4($(i".

3 A "'"# '& 4 i%($"i&i(% #i#(! (% "' 5 @+(!"i'$! '$ "( @+(!"i'$$#i(

*i" (#5 #i#( (i$4 "(!"(% *i" "*' @+(!"i'$!. A! # "+) +( #

)i$i)+) '& 4 (!/'$%($"! #( (@+i(% "' 4(" !#"i!"' (!+"! &' 4

#i#(! "+! i" *#! %(5i%(% "' +!( # !#)/( !i9( '& 49 i$ '%( "'

(i)i$#"( 5#$5(! '& ('.

= Q+(!"i'$$#i( P("(!"

T( @+(!"i'$$#i( *#! /("(!"(% *i" 10 (!/'$%($"! i$ '%( "' i%($"i& #$

i#!(% ' #)i4+'+! @+(!"i'$!.D+( "' /("(!"i$4 i" *#! (i%($" "#" (!/'$%($"! &(" %i!5')&'" %+i$4

&ii$4 "( @+(!"i'$$#i( '*i$4 "' i"! ($4" #$% "+! "( %(5i!i'$ "' )#(

"( !+( '# *#! #i(% #".

2*


25/57

T( %#"# 5'(5"i'$ /'5(!! $'* i$5+%(! '# @+(!"i'$i$4 # "(

(!/'$%($"! #$% (5'%i$4 "(i #$!*(! '$ "( @+(!"i'$$#i( !' #! "'

(i)i$#"( #$ i#! #$% )#( i" 5'$($i($" &' "( (!/'$%($"!.

T( @+(!"i'$$#i( i! !'*$ i$ "( #""#5)($"! /#4(

INSURANCE QUESTIONNAIREThis is a questionnaire intended to determine the factors which lead to buying of insurance products.

Please answer all the questions by choosing amongst the various alternatives.

NAME:

AGE:

2+


26/57

Contact Number:

OCCUPATION:

ADDRESS:

4. Bra") "ae $s $6or#a"# #o e !$(e '+%$"g $"s+ra",e

S%$&yD3"%ee

45yD3"%ee Ne#%" 45y A%ee

S%$&yA%ee

1 2 ) * +

5. I o"(% '+% $"s+ra",e *ro !e(( 1"o!" orga"$a#$o"s

S%$&y

D3"%ee

45y

D3"%ee Ne#%" 45y A%ee

S%$&y

A%ee1 2 ) * +

7. I e26e,# goo) re#+r"s !e" I $"3es#$"g $" $"s+ra",e

S%$&yD3"%ee


S%$&yA%ee

1 2 ) * +

8. I !$(( "o# $"3es# $" a" $"s+ra",e 6o($,% $* #e re#+r"s are 3er% (o!

S%$&yD3"%ee


S%$&yA%ee

1 2 ) * +

9. Dea# 'e"e*$# $s ,r+,$a( !$(e $"3es#$"g $" $"s+ra",e

S%$&yD3"%ee


S%$&yA%ee

1 2 ) * +

. L$*e ,o3er $s 3$#a( $" a" $"s+ra",e 6o($,%

S%$&y 45y Ne#%" 45y A%ee S%$&y

2,


27/57

D3"%ee D3"%ee A%ee

1 2 ) * +

. M% s6o+ses ,o$,e $"*(+e",es % )e,$s$o" #o '+% $"s+ra",e

S%$&yD3"%ee


S%$&yA%ee

1 2 ) * +

. A*#er arr$age $# $s "e,essar% #o a3e soe #%6e o* $"s+ra",e

S%$&yD3"%ee


S%$&yA%ee

1 2 ) * +

. TV A)3er#$see"#s are $"*(+e"#$a( $" % 1"o!(e)ge o* $"s+ra",e 6ro)+,#s

S%$&yD3"%ee


S%$&yA%ee

1 2 ) * +

4. I a3e see" IDBI Fe)era( L$*e I"s+ra",e Co a)3er#$see"#s

S%$&yD3"%ee


S%$&yA%ee

1 2 ) * +

44. I"s+ra",e age"#s a3e ,o"3$",e) e #o '+% 6ro)+,#s 6re3$o+s(%

S%$&y

D3"%ee

45y


S%$&y

A%ee1 2 ) * +

45. I $g# $"3es# $" soe 6ro)+,# 'e,a+se o* a goo) sa(es 6$#,

S%$&yD3"%ee


S%$&yA%ee

2


28/57

1 2 ) * +

47. Ao+"# o* 6re$+ I a3e #o 6a% )e,$)es !$, $"s+ra",e I '+%

S%$&yD3"%ee 45yD3"%ee Ne#%" 45y A%ee S%$&yA%ee

1 2 ) * +

48. I ,oose $"s+ra",e 6o($,$es !ere I a3e #o 6a% (ess 6re$+

S%$&yD3"%ee


S%$&yA%ee

1 2 ) * +

49. Be$"g a 6are"# I a3e #o #$"1 a'o+# $"s+r$"g % ,$()

S%$&yD3"%ee


S%$&yA%ee

1 2 ) * +

4. I"s+r$"g % ,$()s *+#+re $s o* +#os# $6or#a",e #o e

S%$&yD3"%ee


S%$&yA%ee

1 2 ) * +

4. I"s+ra",e $s e(6*+( !$(e *$($"g #a2 )e)+,#$o"s

S%$&y

D3"%ee

45y


S%$&y

A%ee1 2 ) * +

4. I"s+ra",e 6ro)+,#s are 'es# )es,r$'e) '% #e ,e(e'r$#% e")ors$"g #e

28


29/57

S%$&yD3"%ee


S%$&yA%ee

1 2 ) * +

4. I",(+)$"g a ,e(e'r$#% $" #e$r 6roo#$o"s !o+() e(6 IDBI Fe)era(

S%$&yD3"%ee


S%$&yA%ee

1 2 ) * +

5. I"s+ra",e $s a ,o"3e"$e"# !a% o* a3o$)$"g #a2es

S%$&yD3"%ee


S%$&yA%ee

1 2 ) * +

). INTERPRETATION & ANALYSIS:

T( @+(!"i'$$#i( *#! +!(% "' 5'(5" %#"# &' #$#!i! i$ B#$4#'( 5i".

1:0 (!/'$%($"! *(( !+6(5"(% "' "( !+( #$% "(i (!/'$!(! *(( +!(%

i$ '%( "' #$#9( "( "'! *i5 (#% "' +i$4 (#i' '& IDBI-

F(%(# Li&( I$!+#$5( C' L"% &i$#$5i# /'%+5"!.

SPSS 47. ANALYSIS

2.


30/57

1. Corre(a#$o" Ma#r$2

Correlation Matrixa

1.000 .333 -.282 .341 -.078 .122 -.001 -.050 -.244 -

.333 1.000 -.137 -.031 -.440 .212 .174 .190 .022 -

-.282 -.137 1.000 -.282 -.053 .166 -.211 .135 .247 -

.341 -.031 -.282 1.000 -.005 .047 .314 -.168 -.160 -

-.078 -.440 -.053 -.005 1.000 -.196 -.027 -.192 .024

.122 .212 .166 .047 -.196 1.000 .094 .226 .175 -

-.001 .174 -.211 .314 -.027 .094 1.000 -.039 .117 -

-.050 .190 .135 -.168 -.192 .226 -.039 1.000 .246 -

-.244 .022 .247 -.160 .024 .175 .117 .246 1.000 -

-.191 -.343 -.079 -.054 .421 -.548 -.005 -.155 -.041 1

.000 .000 .000 .171 .069 .497 .272 .001

.000 .047 .355 .000 .005 .017 .010 .397

.000 .047 .000 .259 .021 .005 .050 .001

.000 .355 .000 .474 .285 .000 .020 .025

.171 .000 .259 .474 .008 .372 .009 .387

.069 .005 .021 .285 .008 .127 .003 .016

.497 .017 .005 .000 .372 .127 .317 .077

.272 .010 .050 .020 .009 .003 .317 .001

.001 .397 .001 .025 .387 .016 .077 .001

.010 .000 .167 .257 .000 .000 .475 .029 .308

TV Ads

Returns

Tax Deductions

Parentin

Pre!iu!

Aents

"#ouse$%arriae

Deat& 'ene(it

)e*e+rit, ndorse!ents

'rand uit,

TV Ads

Returns

Tax Deductions

Parentin

Pre!iu!

Aents

"#ouse$%arriae

Deat& 'ene(it

)e*e+rit, ndorse!ents'rand uit,

)orre*ation

"i. /1-tai*ed

TV Ads Returns

Tax

Deductions Parentin Pre!iu! Aents

"#ouse$

%arriae Deat& 'ene(it

)e*e+rit,

ndorse

!ents 'rand

Deter!inant .153a.

I$"(/("#"i'$

Ti! "#( !'*! "#" $'$( '& "( #i#(! (7ii" i4 5'(#"i'$ #)'$4!"

"() #$% "+! *( 5#$ !#&( !# "(( i! $' )+"i-5'i$(#i" ("*(($ "(!(

#i#(!, !' *( $((% $'" ()'( #$ #i#(! &') "( #$#!i!.

5. KMO a") Bar#(e##s Tes#

KMO and Bartlett's Test

)0


31/57

aiser-%e,er-*in %easure o( "a!#*in

Adeuac,. .588

'art*etts Test o(

"#&ericit,

A##rox. )&i-"uare 272.219

d( 45

"i. .000

I$"(/("#"i'$

Ti! "#( !'*! !#)/i$4 #%(@+#5 .:88 #$% # i4 Ci-S@+#( #+(.

T+! *( 5#$ i$&( "#" "( !#)/i$4 i! #%(@+#"( #$% "( (!+"! #( #i%.

7. A"#$?Iage Corre(a#$o" Ma#r$2

Anti-image Matrices

.666 -.228 .115 -.234 -.084 -.055 .146 .018 .126

-.228 .610 .090 .163 .235 -.008 -.161 -.077 -.041

.115 .090 .770 .107 .063 -.111 .136 -.016 -.137

-.234 .163 .107 .701 .056 -.026 -.254 .073 .047

-.084 .235 .063 .056 .690 -.046 -.022 .087 -.075

-.055 -.008 -.111 -.026 -.046 .635 -.079 -.108 -.080

.146 -.161 .136 -.254 -.022 -.079 .772 .051 -.126

.018 -.077 -.016 .073 .087 -.108 .051 .846 -.160

.126 -.041 -.137 .047 -.075 -.080 -.126 -.160 .808

.041 .076 .016 .027 -.189 .297 -.058 -.019 -.005

.536a -.358 .160 -.343 -.124 -.084 .204 .023 .171

-.358 .566a .132 .249 .363 -.013 -.235 -.107 -.058

.160 .132 .680a .145 .087 -.159 .176 -.019 -.174

-.343 .249 .145 .509a .081 -.039 -.345 .095 .063

-.124 .363 .087 .081 .619a -.070 -.030 .113 -.101

-.084 -.013 -.159 -.039 -.070 .612a -.113 -.147 -.112

.204 -.235 .176 -.345 -.030 -.113 .400a .063 -.159

.023 -.107 -.019 .095 .113 -.147 .063 .726a -.193

.171 -.058 -.174 .063 -.101 -.112 -.159 -.193 .625a

.066 .128 .024 .042 -.301 .492 -.087 -.027 -.008

TV Ads

Returns

Tax Deductions

Parentin

Pre!iu!

Aents

"#ouse$%arriae

Deat& 'ene(it


'rand uit,

TV Ads

Returns

Tax Deductions

Parentin

Pre!iu!

Aents

"#ouse$%arriae

Deat& 'ene(it


'rand uit,

Anti-i!ae )oariance

Anti-i!ae )orre*ation

TV Ads Returns

Tax

Deductions Parentin Pre!iu! Aents

"#ouse$

%arriae Deat& 'ene(it

)e*e+rit,

ndorse

!ents 'rand

%easures o( "a!#*in Adeuac,/%"Aa.

I$"(/("#"i'$

)1


32/57

T( %i#4'$# '& "i! )#"i7 !'*! "( !#)/i$4 #%(@+#5 &' (#5 #i#(,

&') "i! *( 5#$ i$&( "#" # "( #i#(! #( ($'+4 !#)/i$4 #%(@+#5

(75(/" &' S6o+seMarr$age.

T+! *( 5#$ !# "#" *( %' $'" #( ($'+4 !#)/i$4 %#"# "' 5'))($"

#'+" "i! /#"i5+# #i#( i$ "( #$#!i! #! i"! #+( i! ('* 0.:.

=. Co+"a($#$es

Communalities

1.000 .585

1.000 .7421.000 .611

1.000 .685

1.000 .559

1.000 .757

1.000 .781

1.000 .450

1.000 .647

1.000 .732

TV Ads

ReturnsTax Deductions

Parentin

Pre!iu!

Aents

"#ouse$%arriae

Deat& 'ene(it


'rand uit,

nitia* xtraction

xtraction %et&od Princi#a* )o!#onent Ana*,sis.

I$"(/("#"i'$

Ti! "#( !'*! "#" # "( #i#(! #( (($ (7"#5"(% !#"i!"'i.

T( #i#( D(#" B($(&i" #! "( '*(!" (7"#5"i'$ #$% "+! 5'$5("(

#$#!i! &' "i! #i#( i! $'" /'!!i(.

:. To#a( Var$a",e E26(a$"e)

)2


33/57

Total Variance Explained

2.324 23.243 23.243 2.324 23.243 23.243 1.720 17.200 17.20

1.973 19.726 42.969 1.973 19.726 42.969 1.713 17.131 34.331.229 12.286 55.255 1.229 12.286 55.255 1.635 16.353 50.68

1.023 10.230 65.486 1.023 10.230 65.486 1.480 14.801 65.48

.845 8.453 73.939

.698 6.976 80.915

.641 6.415 87.329

.558 5.579 92.908

.369 3.689 96.597

.340 3.403 100.000

)o!#onent1

2

3

4

5

6

7

8

9

10

Tota * o( Variance )u!u*atie Tota * o( Variance )u!u*atie Tota * o( Variance )u!u*atie

nitia* iena*ues xtraction "u!s o( "uared :oadins Rotation "u!s o( "uared :oadins


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))


34/57

Rotated Component Matrixa

-.674

.831

.471 -.476

-.434 .628

-.699

.847

.861

.438 .489

.764

-.765

TV Ads

Returns

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37/57

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42/57

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43/57

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i$ # (%+5(% $+)( '& +$'!((% #i#(!. F#5"' #$#!i! !(#5(! &' !+5

6'i$" #i#"i'$! i$ (!/'$!( "' +$'!((% #"($" #i#(!. T( '!((% #i#(!

#( )'%((% #! i$(# 5')i$#"i'$! '& "( /'"($"i# "'!, /+! J(' J "()!. T(

i$&')#"i'$ 4#i$(% #'+" "( i$"(%(/($%($5i(! ("*(($ '!((% #i#(! 5#$ (

+!(% #"( "' (%+5( "( !(" '& #i#(! i$ # %#"#!(". F#5"' #$#!i! 'i4i$#"(% i$

/!5')("i5!, #$% i! +!(% i$ (#i'# !5i($5(!, !'5i# !5i($5(!, )#("i$4,

/'%+5" )#$#4()($", '/(#"i'$! (!(#5, #$% '"( #//i(% !5i($5(! "#" %(# *i"

#4( @+#$"i"i(! '& %#"#.

F#5"' #$#!i! i! (#"(% "' /i$5i/# 5')/'$($" #$#!i! PCA, +" "( "*' #(

$'" i%($"i5#. B(5#+!( PCA /(&')! # #i#$5(-)#7i)i9i$4 '"#"i'$ '& "(

#i#( !/#5(, i" "#(! i$"' #55'+$" # #i#ii" i$ "( #i#(!. I$ 5'$"#!",

"' #$#!i! (!"i)#"(! '* )+5 '& "( #i#ii" i! %+( "' 5'))'$ "'!

J5'))+$#i"J. T( "*' )("'%! (5')( (!!($"i# (@+i#($" i& "( ('

"()! i$ "( "' #$#!i! )'%( "( #i#ii" $'" (7/#i$(% 5'))'$

"'!, !(( ('* 5#$ ( #!!+)(% "' # #( "( !#)( #i#$5(.

. INTERNAL MARKETING

**

http://en.wikipedia.org/wiki/Variable_(mathematics)http://en.wikipedia.org/wiki/Latent_variablehttp://en.wikipedia.org/wiki/Linear_combinationhttp://en.wikipedia.org/wiki/Errors_and_residuals_in_statisticshttp://en.wikipedia.org/wiki/Psychometricshttp://en.wikipedia.org/wiki/Social_scienceshttp://en.wikipedia.org/wiki/Marketinghttp://en.wikipedia.org/wiki/Product_managementhttp://en.wikipedia.org/wiki/Operations_researchhttp://en.wikipedia.org/wiki/Principal_component_analysishttp://en.wikipedia.org/wiki/Variable_(mathematics)http://en.wikipedia.org/wiki/Latent_variablehttp://en.wikipedia.org/wiki/Linear_combinationhttp://en.wikipedia.org/wiki/Errors_and_residuals_in_statisticshttp://en.wikipedia.org/wiki/Psychometricshttp://en.wikipedia.org/wiki/Social_scienceshttp://en.wikipedia.org/wiki/Marketinghttp://en.wikipedia.org/wiki/Product_managementhttp://en.wikipedia.org/wiki/Operations_researchhttp://en.wikipedia.org/wiki/Principal_component_analysis


45/57

H'i!"i5 )#("i$4 &' !(i5(! (@+i(! (7"($#, i$"($#, #$% i$"(#5"i(

)#("i$4.

1. External marketing %(!5i(! "( $')# *' '& /(/#i$4, /i5i$4,

%i!"i+"i$4, #$% /')'"i$4 "( !(i5( "' 5+!"')(!.

2. Internal marketing %(!5i(! "#i$i$4 #$% )'"i#"i$4 ()/'((! "' !((

5+!"')(! *(.

3. Interactive marketing %(!5i(! "( ()/'((! !i! i$ !(i$4 "( 5i($".

I"#er"a( ar1e#$"g IM i! # /'5(!! "#" '55+! *i"i$ # 5')/#$ '

'4#$i9#"i'$ *(( "( &+$5"i'$# /'5(!! a($g"s0 o#$3a#es #$% e6o!ers

()/'((! #" # )#$#4()($" ((! "' %(i( # !#"i!&i$4 5+!"')( (7/(i($5(.

O( (5($" (#! i$"($# )#("i$4 #! i$5(#!i$4 (($ i$"(4#"(% *i"

()/'( #$%i$4, #$% ()/'( #$% )#$#4()($", *i5 !"i(! "' +i%

!"'$4( i$! ("*(($ "( ()/'(( #$% (7/(i($5( #$% 5+!"')( #$%

(7/(i($5(.

*+

http://en.wikipedia.org/wiki/Employer_brandinghttp://en.wikipedia.org/w/index.php?title=Employer_brand_management&action=edit&redlink=1http://en.wikipedia.org/wiki/Employer_brandinghttp://en.wikipedia.org/w/index.php?title=Employer_brand_management&action=edit&redlink=1


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A55'%i$4 "' B+i"" #$% (#(, J"( 5#($4( &' i$"($# )#("i$4 i! $'" '$

"' 4(" "( i4" )(!!#4(! #5'!!, +" "' ()(% "() i$ !+5 # *# "#" "( '"

5#$4( #$% (i$&'5( ()/'(( (#i'+J.

K( 5'$5(/"! '& i$"($# )#("i$4 i$5+%(

• IM &+$5"i'$i$4 #! # 5'$"i$+# i$"($# +/!ii$4 /'5(!!.

• Ai4$)($" '& "( '4#$i9#"i'$! /+/'!( *i" ()/'(( (#i'.

• E)/'((! i$"($#i9i$4 "( 5'( #+(! '& "( '4#$i9#"i'$.

• M'"i#"i'$, (&#)i$4 #$% ()/'*()($" '& ()/'(( #""i"+%(.

• I$!i%(-'+" )#$#4()($" #//'#5.

• R("#i$i$4 # /'!i"i( 5+!"')( (7/(i($5( "'+4'+" "( +!i$(!!

'6(5"i(!

B($(&i"! '& I$"($# M#("i$4

• ($5'+#4(! "( i$"($# )#(" ()/'((! "' /(&') (""(

• ()/'*(! ()/'((! #$% 4i(! "() #55'+$"#ii" #$%

(!/'$!iii"

• 5(#"(! 5'))'$ +$%(!"#$%i$4 '& "( +!i$(!! '4#$i!#"i'$

• ($5'+#4(! ()/'((! "' '&&( !+/( !(i5( "' 5i($"!

#//(5i#"i$4 "(i #+#( 5'$"i+"i'$ "' "( !+55(!! '& "( +!i$(!!

*,


47/57

• (/! $'$-)#("i$4 !"#&& "' (#$ #$% ( #( "' /(&') "(i "#!! i$

# )#("i$4-i( )#$$(

•

i)/'(! 5+!"')(! ("($"i'$ #$% i$%ii%+# ()/'(( %(('/)($"

• i$"(4#"(! +!i$(!! 5+"+(, !"+5"+(, +)#$ (!'+5(! )#$#4()($",

i!i'$ #$% !"#"(4 *i" "( ()/'((! /'&(!!i'$# #$% !'5i# $((%!

• 5(#"(! 4''% 5''%i$#"i'$ #$% 5''/(#"i'$ #)'$4 %(/#")($"! '& "(

+!i$(!!.

T( &''*i$4 #( "( /'()! #&&(5"i$4 (&&(5"i( i)/()($"#"i'$ '& i$"($#

)#("i$4.

1. M#$#4(i# i$5')/("($5( i$ i$"(/(!'$#, "(5$i5# #$% 5'$5(/"+# !i! i!

!')( '& "( !"+)i$4 '5! #4#i$!" !+55(!!&+ i$"($# )#("i$4.

2. P'' +$%(!"#$%i$4 '& i$"($# )#("i$4 5'$5(/".

3. I$%ii%+# 5'$&i5" #$% 5'$&i5" ("*(($ %(/#")($"! )#(! "(

i)/()($"#"i'$ '& i$"($# )#("i$4 %i&&i5+".

=. Ri4i% '4#$i!#"i'$# !"+5"+( 5'+/(% +(#+5#"i5 (#%(!i/ i$%(!

!+55(!! '& i$"($# M#("i$4.

:. I4$'i$4 #$% $'" i!"($i$4 "' !+'%i$#"( !"#&&.

;. T( "($%($5 '& i4$'i$4 ()/'((! i)/'"#$5( #$% "(#"i$4 "() i( #$

'"( "''! '& "( +!i$(!!.

>. U$$(5(!!# /'"(5"i'$ '& i$&')#"i'$ #4#i$!" ()/'((!.

*

http://en.wikipedia.org/wiki/Retentionhttp://en.wikipedia.org/wiki/Human_resourceshttp://en.wikipedia.org/wiki/Retentionhttp://en.wikipedia.org/wiki/Human_resources


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8. R(!i!"#$5( "' 5#$4(.

Ci($"! 6+%4( !(i5( i"!

#. Technical quality.

. Functional quality.

INFERENCE FROM THEORETICAL FRAMEWORK

Ti! /'i$"! "'*#%! "( E#'#"i'$ Li(i''% M'%( *i5 *#! %i!5+!!(% (#i(

*((i$ "( #""i"+%( &')#"i'$ '55+! "'+4 # C($"# R'+"( #! *( #! #

P(i/(# R'+"(.

T( T(5$i5# @+#i" (( (&(! "' "( /'%+5" 5##5"(i!"i5! *i5 5#$ $'" (

(#i %i&&(($"i#"(% '*i$4 "' (4+#"' $')! i$ "( i$%+!".

F+$5"i'$# Q+#i" i! "( *# "( !(i5( i! /(&')(% *i5 i& %'$( *( 5#$

5#+!( # '#( '/i$i'$ *i"i$ "( 5+!"')(.

Ti! F+$5"i'$# Q+#i" *i "#( "( P(i/(# R'+"( #! *(.

T' i$5(#!( "( F+$5"i'$# Q+#i" '& !(i5( i" i! (@+i(% "' ($!+( "#" "(

!(i5( @+#i" i! i4 #$% 5'$!i!"($".

T( !(i5(-@+#i" )'%( i4i4"! "( (@+i()($"! &' %(i(i$4 i4 !(i5(

@+#i".

*8


49/57

GAP 4: N'" $'*i$4 *#" 5+!"')(! (7/(5"

• L#5 '& )#("i$4 (!(#5 'i($"#"i'$

• I$#%(@+#"( +/*#% 5'))+$i5#"i'$

• T'' )#$ ((! '& )#$#4()($"

*.


50/57

GAP 5: T( *'$4 !(i5( @+#i" !"#$%#%!

• I$#%(@+#"( )#$#4()($" 5'))i")($" "' !(i5( @+#i"

• P(5(/"i'$ '& i$&(#!iii"

• I$#%(@+#"( "#! !"#$%#%i9#"i'$

• A!($5( '& 4'# !(""i$4

GAP 7: S(i5( /(&')#$5( 4#/

• E)/'(( '( #)i4+i"

• E)/'(( '( 5'$&i5"

• P'' E)/'(( 6' &i"

• P'' T(5$''4 6' &i"

• I$#//'/i#"( (#+#"i'$ #$% (*#% !!"()!

• L#5 '& ()/'*((% !(i5( ()/'((!

• L#5 '& "(#)*'

GAP 8: ($ /')i!(! %' $'" )#"5 %(i(

• I$#%(@+#"( 'i9'$"# 5'))+$i5#"i'$

• T($%($5 "' '(/')i!(

+0


51/57

GAP 9: 5+!"')( !#"i!"i'$

• %(/($%! '$ 4#/ 1-:

• T( 4(#"( "( 4#/ "( '*( "( 5+!"')( !#"i!"i'$, (5#+!( (7/(5"#"i'$

#$% /(5(/"i'$ %' $'" )#"5.

B#!(% '$ "i! !(i5(-@+#i" )'%(, (!(#5(! i%($"i&i(% &''*i$4 &i(

%("()i$#$"! '& !(i5( @+#i"

#. R(i#ii" - T( #ii" "' /(&') "( /')i!(% !(i5( %(/($%#

#$% #55+#"( 5'$!i!"($5 '& /(&')#$5( #$% %(/($%#ii", !(i5(

i! /(&')(% i4" #" "( &i!" "i)(, "( 5')/#$ ((/! i"! /')i!(! i$

#55+#5 i$ ii$4 #$% ((/i$4 (5'%! 5'(5", /(&')i$4 "(

!(i5(! #" "( %(!i4$#"(% "i)(.

. R(!/'$!i($(!! - T( *ii$4$(!! #$% ' (#%i$(!! '& ()/'((! "'

(/ 5+!"')(! #$% "' /'i%( /')/" !(i5(, "i)(i$(!! '& !(i5(

)#ii$4 # "#$!#5"i'$ !i/ i))(%i#"(, !(""i$4 +/ #//'i$")($"!

@+i5.

5. A!!+#$5( - T( $'*(%4( #$% 5'+"(! '& ()/'((! #$% "(i

#ii" "' 5'$( "+!" #$% 5'$&i%($5(.

%. E)/#" - T( /'i!i'$ '& 5#i$4, i$%ii%+#i9(% #""($"i'$ "'

5+!"')(! i$&')i$4 "( 5+!"')(! i$ # #$4+#4( "( 5#$

+$%(!"#$%, U$%(!"#$%i$4 5+!"')(! !/(5i&i5 $((%!, P'i%i$4

i$%ii%+#i9(% #""($"i'$

+1


52/57

(. T#$4i(! - P!i5# (i%($5( '& "( !(i5( #//(##$5( '& /!i5#

ii"i(!, "''! #$% (@+i/)($"! +!(% "' /'i%( "( !(i5(

*. L$$#a#$o"s:

1. S(5'$%# %#"# ##i#( i! $'" !/(5i&i5 "' i$!+#$5( i$%+!".

2. Fi(% *' i)i"(% "' B#$4#'( 5i" "+! (!+"! 5#$ $'" ( #//i(% "'

($"i( '4#$i9#"i'$.3. T( !+( (!+"! )# 4(" #&&(5"(% %+( "' /(!($5( '& 5("#i$ i#!(!

i( #5@+i(!5($5( i#!, (7"()i" i#! #$% #+!/i5(! i#!.

=. R#$%') S#)/i$4 (' 5#$ ( /(!($" (#%i$4 "' #i#"i'$! i$ (!+"!.

+2


53/57

g. FINDINGS:

R(!+"! &') F#5"' #$#!i! '$ "( %#"# 5'(5"(% %(/i5"(% = %i!"i$5"

"'! #&&(5"i$4 +i$4 (#i' '& IDBI-F(%(# Li&( I$!+#$5( C'

L"% /'%+5"!.

($ *( !5+"i$i9( (#5 '& "(!( "'!

1. P'%+5" C##5"(i!"i5! Ti! /#"i5+# 5')/'$($" /#! #

i"# /#" i$ +i$4 (#i' +" #! "(( #( # '" '& $')! #$%(4+#"i'$! i$ "( i$!+#$5( i$%+!", /'%+5" %i&&(($"i#"i'$ '$

"( #!i! '& /'%+5" 5##5"(i!"i5! i! $'" i#(.

2. E7"($# M#("i$4 Ti! 5')/'$($" *i5 %(#! *i" "(

(7"($# )#("i$4 (&&'"! i$'(! 5((i" ($%'!()($"! #!

*( #! T A%("i!()($"!. Di&&(($"i#"i$4 /'%+5"! #!(% '$

"i! "' i! $'" #%i!#( #! i$!+#$5( /'%+5"! #( 4($(# /(5(i(% "'+4 /(i/(# 5+(!, #! %i!5+!!(% i$ E#'#"i'$

Li(i''% M'%(, "+! (7"($# )#("i$4 *i $'" ($!+( #

''!" i$ !#(!.

A!' %+i$4 "( (!(#5 /'5(!! "( (!/'$%($"! *' "'' /#" i$ "(

!+( 5'))($"(% "#" T A%! #$% C((i" E$%'!()($" %' $'"

4i( ($'+4 (#!'$ "' i$(!" i$ i$!+#$5( /'%+5"!.

3. E7"i$!i5 F#5"'! Ti! 5')/'$($" '& +i$4 (#i' i! (

i)/'"#$" #! !/'+!# i$&+($5( #! *( #! "( +%($ '&

/#($"i$4 #( )#6' %i(! &' i$(!"i$4 i$ i$!+#$5( /'%+5"!.

+)


54/57

I" 5#$ ( $'"i5(% "#" )#$ i$!+#$5( 5')/#$i(! +!(

A%("i!()($"! i$ '%( "' i$4 '+" "(!( (7"i$!i5 "'! i$

"( )#(".

H'*(( "(( i! $' 5(# 5+" '+"( "' i$&+($5( "(!( "'! i$

# /(!'$ #$% ($5( $'"i$4 &+"( 5#$ ( %'$(.

=. I$"($# M#("i$4 Ti! /#"i5+# "' i! &'+$% "' ( "(

)'!" i)/'"#$" '$( *i5 #&&(5"! +i$4 (#i' '& i$!+#$5(

/'%+5"!.

I$"($# )#("i$4 %(#i$4 *i" "( ()/'((! '& # 5')/#$ i!

# ( +$i@+( *# '& %(('/i$4 &+$5"i'$# @+#i" "#" *i

%i&&(($"i#"( IDBI-F(%(# Li&( I$!+#$5( C' L"% &') i"!

5')/("i"'!.

. CONCLUSION

+*


55/57

IDBI-F(%(# Li&( I$!+#$5( C' L"% )+!" &'5+! '$ i"! I$"($#

M#("i$4 (&&'"! i$4i$4 # i"! ()/'((! *' &') "(

!#(! &'5( i$ 5'$6+$5"i'$ *i" "( )i!!i'$ #$% i!i'$ '& "(

5')/#$.Ti! 5#$ ( %'$( #%'/"i$4 !(i5( @+#i" #""i+"(! #$%

(%+5#"i$4 # i"! ()/'((! #'+" i".

i. RECOMMENDATION

A! "( !(i5( @+#i" #""i+"(! *i5 #&&(5" 5+!"')( /(5(/"i'$

#( (($ %i!5+!!(% (#i(, "( RATER )'%(, )+!" ( #%'/"(%

IDBI-F(%(# Li&( I$!+#$5( C' L"% #$% (#5 #$% (( ()/'((

*' i$"(#5"! *i" i"! 5i($"! )+!" ( (%+5#"(% #'+" i".

A 5'$5i!( RATER )'%( !/(5i&i5 &' IDBI-F(%(# Li&( I$!+#$5( C' L"% *i5

5#$ ( +!(% #! "' (%+5#"( "( ()/'((! i! !'*$ ('*

E( IDBI-F(%(# Li&( I$!+#$5( C' L"% ()/'(( *'

5')(! i$ 5'$"#5" *i" '+ 5i($"! 5#$4(! "(i /(5(/"i'$

#'+" '+ 5')/#$.

L("! ($!+( # /'!i"i( 5#$4(, A*#!

++


56/57

Ree'er RATER

1. R (i#ii" M#( !+( '+ #( "( $'*(%4( "'

#$!*( # 5+!"')( @+(!"i'$!.

2. A!!+#$5( A*#! ( 5'+"('+! i$!"i 5'$&i%($5( i$

'+ 5+!"')(.

3. T#$4iii" H#( # $(#" /'&(!!i'$# #//(##$5(,

()()( '+ (/(!($" IDBI-F(%(# Li&( I$!+#$5(

C' L"% "' "( 5i($"!.

=. E)/#" T +$%(!"#$%i$4 "( $((%! '& (#5

5+!"')(, #%i5( "() #//'/i#"(.

:. R (!/'$!i($(!! K((/ '+ 5+!"')( i$&')(% #$% 4("

5'$!i!"($" &((%#5 !' *( 5#$ i)/'(, #! #$

'4#$i9#"i'$.

REFERENCES

M#("i$4 )#$#4()($" Pii/ K'"(

= ""/!!/(#%!(("!.4''4(.5')4&')

(0A/DH4/;0/2%G/+QNCQ?:GF9TBHMT%)U?UE


57/57

= ""/($.*ii/(%i#.'4*iiI$!+#$5(i$I$%i#

= ""/***.i%#.4'.i$ADMINCMS5)!N')#D#"#L#'+".#!/7

/#4(P#4(N'=

Documents

Factors Contributing in Buying Behaviour of IDBI Financial Products